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Oklahoma State University

Federal Direct Unsubsidized Stafford Loan

The Federal Direct Unsubsidized Stafford Loan provides a way for students to borrow money from the government to help finance a college education. This loan can be used for educationally-related costs, including, but not limited to, general enrollment fees, tuition, room/board and books. This loan must be repaid. Getting funds through the Direct Loan program is simple. Borrowers work only with OSU and a U.S. Department of Education servicer instead of commercial lenders and guarantee agencies.


  • Awarded to students who complete the FAFSA and have eligibility within their cost of attendance. Students are encouraged to submit the FAFSA as soon after October 1 for the following fall, as possible each year.
  • Not based on financial need
  • Must be at least half-time: 
    • Undergraduates: 6+ hours each semester
    • Graduate/Professional students: 4+ hours fall or spring, 2+ hours summer
    • Veterinary Medicine students: 6+ hours each semester
  • Eligibility must be determined and loan must be originated before the end of the academic period for which the loan is being requested.
  • Refer to Required Reading for terms and conditions.

More Information: 


What is the difference between "Subsidized" and "Unsubsidized?"


How much can I borrow?


What is the interest rate?


Do I need to go to a bank to get the loan?


I've never borrowed at OSU before; what else do I need to do?


I'm a continuing OSU student and I borrowed through these programs before; what else do I need to do?


Will OSU ever change the amount of loan I'm offered?


How will I repay my loan?


What is a "Grace Period?"


What is an "Origination Fee"?


Is it ever possible to postpone the repayment of my loan?


Are there any tax credits available for paying back this loan?


How do I find information about the loan(s) I have borrowed?


What is loan proration?